Apple Cardholders have a new incentive to upgrade to a new iPhone starting today – 24 months with zero interest.

If any cardholder purchases an iPhone anytime between today and Dec. 31, they will get 6 percent back, rather than the standard 3 percent.

Pencil-whip the numbers and the total cost of upgrading your iPhone every time just might take the spark out of that annual impulse.

Would you believe six figures?

Nearly a quarter of current iPhone users already plan to buy Apple’s next smartphone — even before they know what new features it will bring. That’s the most surprising finding from a new poll, which also shows demand for iPhone upgrades has stabilized at a high level.

Heavy demand for an unannounced product shows trust in Apple. That’s welcome, as the company’s reputation has slipped a bit.

The iPhone 7 probably won’t be enough to reverse Apple’s declining sales slump when it reports earnings tomorrow. But analysts say Apple is sitting on a “powder keg of dramatically aging” iPhones that could lead to a super-cycle of upgrades in 2017.